Assuming 4% SWR, $75k annual spending, and 4% post-inflation returns going forward, then our investable assets cover...
234 days (through August 22nd each year) if we stop working today.
299 days (through October 27th each year) if we work and contribute to pre-tax accounts 4 more years.
366 days (through Jan 1 of the following year, each year) if we then work part time, stop contributing to pre-tax accounts, and let balances grow for 5 years before withdrawing.
FIRECalc tells a slightly more pessimistic story with the same inputs: 96% success rate for 50 years including SS @22k/yr starting in ~21 years. Without SS, spending goes down to ~$63k/yr for a 96% success rate. The FIRECalc/4% SWR discrepancy once again highlights the importance of being able to scale back spending (and/or rely on a side-hustle) during bear markets.